Personal Banking
America's Best Checking™ Account
Limited time offer! Get $50* when you sign up for your first personal checking account.
Compare Personal Checking Account Options
Whether you are searching for checking accounts with no minimum balance, or you want to earn interest and are able to maintain a minimum balance, you'll find the checking account that's right for you at Bell.
$50 minimum deposit to open all checking accounts
America's Best Interest Checking
- Minimum $500 balance to earn interest and avoid service fees
- PLUS ALL THE FREES!
America's Best Premier Interest Checking
- Minimum $5,000 balance to earn interest and avoid service fees
- PLUS ALL THE FREES!
Say Goodbye to Sneaky Fees and Get 50!*
Find out where sneaky fees are hiding at your bank with our bank fee comparison tool. See how much you could save on out-of-network ATM, minimum balance, paper statement fees and more!
FREE Account Features and Benefits
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FREE
Nationwide ATMs
Bell never charges you for using any ATM - ours or someone else's. Bell will automatically refund the first four ATM fees (charged by the machine owner) on your monthly statement. -
FREE
Mobile App and Online Banking
Pay bills, check balances, transfer funds, set alerts and deposit checks on your desktop or mobile phone. (There may be a fee for expedited Bill Pay.) -
FREE
Identity Theft Recovery
With up to $10,000 expense reimbursement insurance (underwritten by Lyndon Southern Insurance Co.), even for non-Bell Bank accounts. -
FREE
Personalized Debit Card
Make your debit card as unique as you. Proudly show off your children, pets, favorite vacation spot, or even your local sports team. -
FREE
Standard Checks
Order unlimited standard check blanks online, in person or over the phone. -
FREE
Debit Card Manager
Control debit card usage and spending on the go! Turn your debit card on and off, set transaction controls and receive alerts. -
FREE
ChangeSaver™
Round up your debit card purchases, deposit the difference into your savings account & receive a 5% match** from Bell – up to $250 a year! -
FREE
Zelle®
Zelle® is a fast, safe and easy way to send and request money1 with friends, family and others you trust.
Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 1. Must have a bank account in the U.S. to use Zelle®.
Switch to a Checking Account You'll Love
We make personal banking easy just for you. Choose from two convenient ways to open a checking account by signing up online or stopping by a location.
**The annual match limit is $250. You need to be enrolled in ChangeSaver and have your checking and savings account open on the last day of the year to receive your 5% match for the year. If you close either account before the end of the year, matching funds are forfeited. You may receive Form 1099-MISC for income you receive from us.
Still Have Questions?
Our team is available to help answer your questions about personal banking. Contact customer service toll-free at 800-450-8949. Weekdays from 7:00 a.m. to 10:00 p.m. CT, and weekends from 7:00 a.m. to 6:00 p.m. CT.